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its value in deciding how much homeowners insurance to buy. If you do, you will pay a higher premium than you should.
4 . Buy your home and auto policies from the same insurer .
Some companies that sell homeowners, auto, and liability coverage will take 5% to 15% off your premium if you buy two or more policies from them. But make certain this combined price is lower than buying the different coverages from different companies.
5 . Make your home more disaster resistant .
Find out from your insurance agent or company representative what steps you can take to make your home more resistant to windstorms and other natural disasters. You may be able to save on your premiums by adding storm shutters, reinforcing your roof, or buying stronger roofing materials. Older homes can be retrofitted to make them better able to withstand earthquakes. In addition, consider modernizing your heating, plumbing, and electrical systems to reduce the risk of fire and water damage.
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